Even if you work until you drop, at 65 you can collect SS and make as much as you want.
I’m 65 years 4 months old. I am self-employed and still have a going business; I’ve been really lucky to largely work from my house and I don’t have any employees.
As I understand the social security law, once I reach 66 years 2 months, which will be in March, 2021, I can start taking the full SS benefit and still earn as much as I can from my business. Therefore, I am going to wait another 10 months.